Banking services for consumers, namely, checking and savings account services, safe deposit box services, automated teller machine services, bill payment services, debit and credit card services, gift card services, namely, gift card transaction payment processing services, on-line banking services, electronic funds transfer, electronic processing and transmission of bill payment data, and credit and financial consultation; financial services, namely, brokerage of shares, stocks, bonds, mutual funds other securities, investment management services, wealth management services, issuing of traveler's checks and credit cards, financial trust operations, trust management accounts; insurance brokerage in the fields of home, accident, life, and commercial lines; consumer and commercial lending services, namely, providing commercial and residential mortgages, business loans, term loans and construction loans, lines of credit, loan refinancing, car loans, boat loans, student loans, temporary loans, home equity loans, recreational vehicle loans, mobile home loans, lot real property loans, bridge loans, letter of credit services; commercial banking services, namely, commercial checking accounts, credit card services, financial planning for retirement, namely, design, structure and administration of retirement plans, bill payment services, on-line business banking services, electronic funds transfer, electronic processing and transmission of bill payment data, cash management services, cash management services, namely, merchant banking services, investment sweep services, account reconciliation services, and lock box banking services, wire transfer services, namely, money transfer services, electronic transfers of funds, cash disbursement services, namely, cash replacement rendered by credit card, check cashing, cash card services, and direct deposit services, banking and financial planning consultation and credit card transaction process services